In very general terms, a good "generic" plan is as follows: One start battery for each engine, and one house bank. Note that the house bank may be comprised of multiple parallel wired batteries.
An ACR operates as follows:
When the first battery n he charging train is not fully charged ( ie: voltage below a certain threshold ) the relay connecting he next step in the train is open ( ie: not connected ). Once the first battery regains a full charge ( as represented by a high enough voltage ), the relay will engage and make the connection to the next ( and one presumes, not yet fully charged ) battery in the train. This allows the second battery to be charged.
Which brings us to the choice of "which battery is the primary ( first charged ) and which is secondary. Many would say the the relatively small start battery should be charged first, then letting the "overflow" charge the house. I actually prefer the reverse order. Charge the large house first, then charge the start battery. Reason: Connecting the charger AND the fully charged primary to the secondary will cause the current to flow from the primary battery along with the charger current to the secondary. By placing the larger bank as primary, the percentage of stored charge sent to charge the less charged secondary is lower. ( Note: per cent. )
I have used ACRs as well as isolators and prefer the ACR. In theory, an isolator is much more elegant, and does exactly what you want; in practice, the ACR performs better.
There are situations where things can get complex. If you have twin engines ( two charge sources ), with a start battery each, and a single large house battery bank, things are not so simple. ( Isolators work best in this configuration, but the right isolator for the task is difficult to find and pricey ).
I hope others will add their thoughts on this as well. Mine comments relate to my knowledge and experience, but are far from the last word on the topic.
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Note: you must use the same chemistry/type" throughout. That is, all must be flooded lead acid, or all must be AGM lead acid and so forth. Do not, for example, mix one AGM with one flooded.